Madison, WI · Charter 66419
Q3 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.87% | -1.14% | -1.28% | -1.56% | -1.85% | -261% | -205% | -20,420 bps | |
| Return on Equity | -0.64% | -1.46% | -1.96% | -2.22% | -2.60% | -3.18% | -609% | -428% | -42,573 bps | |
| Net Interest Margin | 2.54% | 1.98% | 1.80% | 1.77% | 1.81% | 1.55% | -249% | -188.33% | -19,010 bps | |
| Efficiency Ratio | 114.89% | 143.48% | 152.57% | 161.33% | 162.60% | 185.63% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -3.77% | -1.47% | -1.24% | -3.37% | -0.84% | -66.90% | -71.61% | -7,036 bps | |
| Loan Growth (YoY) | -27.99% | -33.27% | -34.81% | -39.95% | -34.86% | -17.16% | -44.46% | -98.72% | -5,877 bps | |
| Share Growth (YoY) | -3.95% | -7.55% | -1.48% | -0.49% | -4.85% | 2.25% | -54.97% | -64.76% | -6,427 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 4.41% | 5.51% | 6.20% | 2.04% | 3.35% | 2.06% | 100.00% | +9,380 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.60% | 1.38% | 1.82% | 1.17% | 1.83% | 0.04% | 1.77% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 59.63% | 59.41% | 58.28% | 57.92% | 60.14% | 58.15% | 42.87% | 48.02% | -991 bps | |
| Net Worth / Assets | 59.63% | 59.41% | 58.28% | 57.92% | 60.14% | 58.15% | 42.87% | 48.02% | -991 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.94% | 53.85% | 48.06% | 42.45% | 45.14% | 43.63% | 59.27% | 1.55% | -4,090 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |